Open Enrollment begins May 6th (12:00 AM) and continues through May 24th (11:59 PM).
During Open Enrollment you may make the following types of changes in PRISM:
- change insurance plans
- add or drop insurance
- buy additional supplemental life insurance
- enroll in flexible spending accounts
- add or remove eligible dependents from insurance plans
All changes are made by logging into your PRISM account and selecting ACGA Employee Self-Service / Benefits. You can make changes between May 6th and May 24th. Your changes will not be effective until July 1, 2019.
What Must You Do During Open Enrollment?
→ If you would like to change the plan in which you are enrolled or add/remove
eligible dependents, you must make this change in PRISM during Open Enrollment.
→ Flexible Spending Account participants must re-enroll during Open Enrollment
to continue participation in FY20.
→ No action is required if you wish to keep the same health and/or dental coverage.
What’s New for July 1?
Coinsurance for Prescriptions— New!
For Cigna Coinsurance plan members, prescription drugs are changing from copay to coinsurance.
This means you’ll pay a percentage of the drug’s cost up to a maximum amount depending on the tier. Estimate your July 1 prescription costs HERE.
Delta Dental Premium Plan— New!
A new premium Delta Dental Premium Plan is available for July 1, and it provides you with extra benefits like a higher annual maximum and adult orthodontics. Compare the Premium versus Standard dental plans. Click HERE for Premium plan summary.
Long-Term Disability — New!
We’ve partnered with The Hartford to offer a voluntary long-term disability plan to replace your income in case you become disabled and can’t work—and if you sign up during Open Enrollment, you get guaranteed coverage. Learn more using the MyTomorrow tool or Calculate your rate and coverage.
Health Care Flexible Spending Account (FSA)
The IRS has increased the annual contribution limit for the Health Care FSA to $2,700.
Reminder: up to $500 of unspent funds in your Health Care FSA will automatically roll over from FY19 to FY20.
Out of Pocket Maximum
The out-of-pocket maximum (OOPM) exists to protect you against catastrophic medical expenses. The OOPM is the most you will pay out-of-pocket during the calendar year for covered medical services. Once you meet the OOPM, the medical plan pays 100% for the rest of the calendar year. Below are the out-of-pocket maximum amounts.
If you switch plans during Open Enrollment:
This may impact what out-of-pocket maximum you must meet for the calendar year.
For a better understanding of how the OOPM works — especially if you decide to change health plans — please review, What is an Out of Pocket Maximum?
|Kaiser Permanente HMO||Cigna OAP IN Copay Plan||Cigna OAP IN Coinsurance Plan||Cigna OAP Plan|
Reminder: the OOPM is tracked on a calendar year basis and resets to $0 every January 1st.